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Personal
Goals and life events
Retirement
Enjoying your retirement
Reducing your debt and fees
Pay less fees

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Reducing your debt and fees

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Manage your credit better
Pay less fees

Pay less fees

It's easy to pay less

Plans - Choose according to your transaction habits

Opt for one of our transaction plans.

Fixed monthly fee, which makes planning easier
For your everyday account
Designed to make your life easier and help you save

The fee for the monthly plan will be waived if you maintain your plan's required minimum monthly balance in your account all month long.

Learn more - Plans

Service charges - Hooray for automated services!

Really affordable.

Our automated services help you reduce your service charges:

Sign up for AccèsD.
Use Desjardins ATMs.
Automate your bill payments.
Use direct payment.
Opt for direct deposit.
Sign up for overdraft transfer.
Choose automatic transfers.
Get a Desjardins credit card.

Learn more - How to reduce your service charges

Credit cards - Compare rates

Choose the Desjardins credit card that best suits your needs:

Cards with rewards programs
Low interest rate cards
Cards with no annual fee

Which card is best for you?

Learn more about our credit cards - Credit cards

Interest charges - How to avoid them

Minimize interest charges on your credit cards and mortgage.

Some winning habits:

Pay your credit card balance in full by the due date each month.
If need be, opt for:
- a low interest rate card
- a line of credit
Reduce the repayment period for your mortgage, increase your payment amount or accelerate your payments.

Learn more - Frais d'intérêts

Investment management fees - Enjoy discounts with Chorus II portfolios

Chorus II: 1 big investment instead of several smaller ones

Think about combining all your investments into the same account to invest in a Chorus II investment portfolio and benefit from a reduction in your management fees. Your fees decrease as the value of your assets increases, and an annual rebate is granted in the form of additional shares paid into your account.

Other advantages:

Maximizes the tax efficiency of your assets
Allows you to benefit from a sophisticated investment solution that transitions along with you through your working years into retirement

Learn more - Chorus II Portfolio

Get this product - Investment management fees

Useful links

Tools

Desjardins Retirement Calculator - This link will open in a new window
Your budget (PDF, 182 KB) - This link will open in a new window
See all tools

FAQ

Why are fees at the ATM lower than those at the teller counter?
The minimum balance requirements for the fee exemption are high…
See all questions

Why are fees at the ATM lower than those at the teller counter?

Teller services are more expensive because they involve caisse employees, unlike other access methods like ATMs, direct payments or AccèsD.

Service fees must encourage the divergence of transactions to less costly methods for both our members and our caisses. However, members are fully entitled to choose personalized service.

See more FAQs

The minimum balance requirements for the fee exemption are high…

In fact, the amount you save with the service fee exemption is equivalent to a net annual return of more than 3% (see table below), which is generally better than what our competitors are offering. To maintain the minimum balance, you just have to transfer money from your other accounts or other financial institutions.

See more FAQs